Car insurance in California is cheaper than most states.

The average driver here pays $1,417/year — 2% below the national average, and higher than 34 of 50 other states.

$1,417

avg full coverage
per year

All 51 states by costYou're here ↓

$926 · Maine$1,994 · Florida

● California is in the 67th percentile nationally

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$1,417 /yr

California average · full coverage · clean record

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What affects your rate in California

California bans both credit score and gender as auto rating factors (Prop 103 of 1988; gender ban under Title 10 CCR §2632.11 since Jan 1, 2019). Insurers must price on driving record, mileage and experience instead.

How California compares

Average full-coverage premium per year
Benchmark	Per year
California	$1,417
National average	$1,438
Most expensive — Florida	$1,994
Cheapest — Maine	$926

Source: NAIC 2022/2023 Auto Insurance Database Report (combined average premium per insured vehicle, 2023 data, released February 2026).

About this estimate. The base figure is the NAIC combined average premium for California (liability + collision + comprehensive, 2023). The calculator applies published industry multipliers (age, credit, record, coverage) from secondary sources (Bankrate / ValuePenguin modeled rates) and is an estimate for informational purposes only — not an insurance quote or offer. Credit-tier adjustments are not applied in states that ban credit-based insurance scoring (California, Hawaii, Massachusetts, Michigan).